Penal Charges Applicable

@for (opt of yesNoOptions; track opt) { {{ opt }} }

Penal Rate (% p.a.)

Applied On

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Penal Grace Days

RBI: penal charges are kept separate from interest, never capitalised, and shown in the Key Fact Statement.

Delinquency Bucket (SMA)

— None — @for (bucket of delinquencyBucketOptions; track bucket.id) { {{ bucket.name }} }

SMA 0–30 / 31–60 / 61–90

NPA After (days overdue)

NPA Trigger

@for (opt of npaTriggerOptions; track opt.id) { {{ opt.label }} }

Interest after NPA

@for (opt of interestAfterNpaOptions; track opt.id) { {{ opt.label }} }

Grace on Arrears Ageing (days)

Days before an amount counts as overdue

In-Arrears Tolerance (₹)

Small balance ignored for arrears

Upgrade from NPA only when all arrears are cleared

Keep standard while the pledged deposit fully covers the dues